Do You Need Uninsured Motorist Coverage in Florida's No-Fault System?

The Short Answer

Not legally required, but highly recommended.

Florida's Insurance Framework

• Mandatory: Personal Injury Protection (PIP) – covers your medical costs regardless of fault.
• Not mandatory: Bodily Injury Liability (BIL) or Uninsured Motorist (UM) coverage.

Why Consider UM Coverage?

• Florida has high uninsured driver rates (~20%+).
• PIP only covers 80% of medical bills up to $10,000 and 60% of lost wages.
• UM covers pain/suffering, excess medical costs, lost wages beyond PIP if hit by uninsured/underinsured driver.

Decision Factors

Weigh your health insurance, savings, risk tolerance, and local uninsured driver stats. Consult an agent for personalized advice.